Discounts and benefits on insurance policies
When you are an OP cooperative bank owner-customer and a Pohjola Insurance prime customer, you receive the best benefits:
- 10% off home and other property insurance, personal insurance (not including life insurance), voluntary motor insurance or comprehensive motor vehicle insurance, and continuous travel insurance
- As an insurance customer of 18 to 27 years of age, you get a 24% discount on almost all insurance policies for home and family.
To become a prime customer, you need to have insurance policies from any three of the following categories:
- Motor liability insurances: Statutory motor liability insurance
- Comprehensive motor vehicle insurances: Voluntary motor insurances
- Personal insurances: Health insurance for adults, children or unborn children, life insurance (includes only life insurances part of Extrasure), NewLife insurance and disability and living allowance insurances
- Continuous travel insurances: Continuous traveller’s insurance and luggage insurance
- Property insurances: Home insurance, valuables insurance, animal insurance, boat insurance, forest insurance
Note that after insuring your vehicle with motor liability insurance and comprehensive motor vehicle insurance, you already hold insurance policies from two different categories. In addition, if you are our owner-customer and over the age of 70, you are entitled to discounts already when you hold policies from two different categories.
As an owner-customer, you also get the following benefits regardless of your number of policies:
- Your OP bonuses will be used to pay insurance premiums.
- Deductible of up to 250 euros in certain losses or damage covered by MyHome insurance.
- Free 45% increase in the sum insured under life insurance.
- Free Product Protection Insurance for purchases made using OP credit card
Regardless of your number of policies or type of customer relationship, you always get the following benefits.
- A 2.5% discount in case you pay your insurance bill in one instalment.
- A free-of-charge NewLife insurance for the parents of children under the age of 1.
- A permanent discount of 5% on a life policy bought online.
- Separately purchased continuous travel insurance valid until you reach the age of 100.
For more information on benefits, see the bottom of the page.